There are more cars and drivers hitting the road every year. With countless vehicles on the road, accidents can happen. Automobile insurance can make the difference between a small inconvenience and a major trial. But why do you need to own insurance and just how much should you purchase? Coverage requirements will differ by state/province, but typically include the following: Liability: Pays for expenses due to bodily injury and damage to property for which you are responsible. If you are sued, it also pays your defense and court costs. Recommended, higher levels of liability insurance can be purchased that cover more events than the lower, state-mandated insurance. Personal Injury Protection: Personal injury insurance is mandated in some states and is optional in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It can also cover lost earnings, service replacement and funeral costs. Local government typically sets minimum amounts. Medical Payments: Medical payment coverage can be purchased in states that are not considered no-fault and will pay regardless of who is responsible for an accident. If this policy has been purchased, the insured person will receive coverage for reasonable medical and funeral costs. Collision: Pays for damage to your vehicle caused by a collision. Comprehensive: This kind of insurance protection covers all non-collision damages. This could include hail damage, vandalism, and theft. Uninsured Motorist: Pays for damages when someone with insurance is injured in a crash caused by another person who does not have insurance. Under-Insured Motorist: There are other drivers who have liability insurance that might not be able to cover all the expenses they are supposed to take care of. Under-insured motorist coverage protects you in accidents involving those drivers. Other types of coverage, such as car rental, are also available. Car Insurance Quotes Clermont